Wildfire Risk in ZIP 78006
Boerne, Kendall County, Texas — a low-risk ZIP scored from USFS, FEMA, USGS and NIFC federal data.
Risk Score
6/100
Low Risk
Reviewed by Tom Hunt, Wildfire Risk Expert
Fire locations come from NIFC — they update about once a day and are not real-time. In an emergency, always follow the official orders from your local authorities. Basemap © Mapbox © OpenStreetMap.
Wildfire hazard in 78006
ZIP 78006 (Boerne) is rated Low risk (6/100) — the USFS rates the risk to structures here as Low. Risk varies block to block, so your exact address determines your true score.
Check your exact address →Fire history near 78006
No major wildfire perimeters are recorded within 25 miles of 78006 since 2000 — but embers travel over a mile and long-unburned fuel can still carry an intense fire.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Boerne (78006)
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Boerne (78006) wildfire risk means for your insurance
Maximum potential savings
$1,386/yr
Across 9 programs — confirm eligibility with your carrier
Annual discounts + one-time grants averaged over 5 yrs · discounts may not all stack
$486recurring/yr
$4,500one-time grants
IBHS Wildfire Prepared Home™ Discount
5–25% premium reductionThe gold standard for wildfire home ratings. Major carriers (State Farm, Farmers, Nationwide, Allstate) offer 5–25% discounts for IBHS certification. A third-party inspector grades your home on five systems: roof, vent, deck, wall, and window glazing. Half-day inspection, long-lasting payoff.
✓ WUI homeowners nationwide — confirm discount with your carrier before scheduling inspection
Firewise USA Community Discount
5–15% premium reductionResidents of NFPA-recognized Firewise USA communities qualify for discounts from State Farm, Farmers, and many regional carriers. Over 1,600 communities are recognized nationwide. Check firewise.org/find-a-firewise-community to see if yours qualifies.
✓ Residents of officially recognized Firewise USA communities — verify with your carrier
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
TX Central Texas WUI Recovery & Mitigation Grants
Up to $5,000 (Bastrop/Travis counties)Post-2011 Bastrop Complex fire, Bastrop and Travis counties have dedicated wildfire mitigation funds through TFS and FEMA BRIC programs. Lost Pines and Cedar Belt WUI areas have the most active programs. Contact Bastrop County Emergency Management.
✓ Bastrop, Travis, Caldwell, and Lee county WUI homeowners in TX
Texas A&M Forest Service Cost-Share Program
Up to $3,000 (50% match)Texas A&M Forest Service provides 50% cost-share grants for prescribed burning, firebreaks, and defensible space on private rural land. Texas consistently ranks in the top 5 states for total wildfire acres burned. Apply at texasforestservice.tamu.edu.
✓ Texas rural/WUI landowners — texasforestservice.tamu.edu
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural land)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on active agricultural land through EQIP. Application windows open annually in fall. NOTE: requires USDA Farm Service Agency farm/tract number — not available to most residential homeowners.
✓ Active agricultural producers and rural farm operators only — find your NRCS office at nrcs.usda.gov
USDA Forest Service State Fire Assistance (SFA)
Passthrough to state programsUSDA Forest Service SFA grants flow to every state forestry agency, which distributes them as cost-share programs and grants. This is the federal funding source behind the state-specific programs listed here — you apply through your state forestry agency, not directly to USFS.
✓ Applied through your state’s forestry agency — see state-specific programs above
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a low-risk home.
Estimated value impact
No measurable discount
At this risk level, research finds little to no wildfire-related effect on market value — and historically a slight premium in some low-risk areas.
Insurance carrying cost
$0/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $0 — the mechanism behind much of the discount.
Market & disclosure discount
none
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
Low risk — you may be overpaying.
Low-risk and well-mitigated homes qualify for credits many agents never check. A quick comparison shows whether you’re leaving money on the table.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
See your options before rates change.
We match Texas homeowners with licensed agents who write low-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$486/yr — typical savings when Texas homeowners compare carriers.
Lower your wildfire risk in Boerne (78006)
Get a certified fire mitigation contractor in Kendall County
We connect you with trusted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Texas's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 1 of your recommended actions qualify for Texas grant or rebate funding.
$0
assessment
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Contractor Matching — Coming Soon
We're building out our contractor network. Check back soon to connect with a certified crew.
✓ Licensed & insured crews
✓ Serving Kendall County
✓ No obligation
Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Boerne (78006) right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
ZIP 78006 wildfire FAQ
Is ZIP code 78006 in a high wildfire risk area?
ZIP 78006 (Boerne, TX) carries a Low wildfire risk rating (6/100) based on USFS Wildfire Risk to Communities, FEMA, terrain, and recorded fire history. Risk varies street to street — check your exact address for a precise score.
How do I check the fire risk for a specific address in 78006?
Enter the street address into FireRisk.ai for a free instant report — your exact 0–100 score, a defensible-space map, nearby fire history, and your insurance and mitigation options.
Does ZIP 78006 affect home insurance?
Yes — federal hazard data like this informs insurer and catastrophe modeler inputs in the Boerne area, and rising-risk ZIPs have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
Other Texas ZIP codes
Know your home's exact wildfire risk
Street-level risk in ZIP 78006 varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
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